Terms of Service
Last updated: February 1, 2026
What This Site Is
DebtPayoffTools.com provides educational content, calculators, and app reviews related to personal debt management. We are not financial advisors, and nothing on this site constitutes financial advice.
Calculator Disclaimer
Our calculators are educational tools that provide estimates based on the information you enter. Actual payoff timelines and interest amounts may differ due to:
- Variable interest rates that change over time
- Fees, penalties, or balance changes not captured in the calculator
- Rounding differences between our calculations and your lender's
- Changes to minimum payment requirements
Always verify with your specific lenders for exact payoff amounts. Our calculators are a starting point, not a guarantee.
App Reviews & Recommendations
Our reviews reflect our honest opinions based on testing and research. App features, pricing, and availability may change after publication. We update reviews periodically but can't guarantee real-time accuracy.
Some links are affiliate links — see our affiliate disclosure. Affiliate relationships never influence our rankings or recommendations.
Your Use of This Site
Please don't:
- Scrape or republish our content without permission
- Attempt to interfere with the site's operation
- Use our calculators or content for commercial purposes without authorization
Intellectual Property
All content, calculator code, and design on this site is owned by Waypoint Labs. You're welcome to link to our pages and share them — that's the whole point. But please don't copy our content wholesale.
Limitation of Liability
We provide this site "as is" without warranties. We're not liable for financial decisions you make based on our content or calculator results. Always do your own research and consult a financial professional for significant financial decisions.
Changes
We may update these terms as needed. Significant changes will be noted with an updated date. Continued use of the site after changes means you accept the new terms.
Contact
Questions about these terms? Get in touch.